I did some Investigating on this here is what I have Found they changed some words from the year before.

this is there Client Manual
Consumer Accounts
Including our Privacy Notice
U.S. Markets
Effective February 15, 2009

Here on page 33 it reads:
Withdrawal Refusals. In some instances, we may refuse a request
for a withdrawal from an account. The following is a list of the most
common reasons we refuse withdrawal requests:
&#8226; If the funds you wish to withdraw are not yet available (See the Funds
Availability at Citibank section of the Marketplace Addendum.)
&#8226; If there are insufficient funds in your account
&#8226; If you use a type of check not acceptable to us
&#8226; If the funds you wish to withdraw are being held to cover a
checking account withdrawal under our Safety Check service
&#8226; If the withdrawal you are requesting is of the type that is limited
by federal regulations, and you have already reached the
applicable limit
&#8226; If, in the case of a joint account, any account signer gives us
written instructions not to permit a withdrawal
&#8226; If the account is pledged as collateral for a loan
&#8226; If we have been ordered by a court or other legal process not to
permit the withdrawal
&#8226; If you do not present us with appropriate identification or any
other information that we may require
&#8226; If we are aware of any dispute relating to the account
&#8226; If we have some suspicion of fraud, irregularity, or illegality.
Withdrawal Notice. We reserve the right to require seven days
advance notice before permitting a withdrawal from all Interest
Checking, savings and Money Market accounts. We are required
by law to reserve this right, but we do not presently exercise it.
Here https://online.citibank.com/JRS/popups/ao/Client_Manual_20090611.pdf

Now here is the New one for 2010 it reads on page 23:
Withdrawal Refusals
In some instances, we may refuse a request for a withdrawal or
transfer from an account. The following list includes, but is not limited
to, the most common reasons we might refuse such requests:
&#8226; If the funds you wish to withdraw are not yet available; (See the
&#8220;Funds Availability at Citibank&#8221; section of the Marketplace
Addendum.)
&#8226; If we decide to require seven (7) days advance written notice
and we have not received such notice;
&#8226; If there are insufficient funds in your account;
&#8226; If you use a type of check not acceptable to us;
&#8226; If the funds you wish to withdraw are being held to cover a
checking account withdrawal under our Safety Check service;
&#8226; If the funds you wish to withdraw are being held due to cashing of
a third party check against the account or for any other reason;
&#8226; If the withdrawal would consist of money owed to us;
&#8226; If the withdrawal you are requesting is of the type that is limited
by federal regulations, and you have already reached the
applicable limit;
&#8226; If, in the case of a joint account, any account signer gives us
written instructions not to permit a withdrawal;
&#8226; If the account is pledged as collateral for a loan;
&#8226; If an account owner has died and we have not received all
documents required to release funds in the account;
&#8226; If we have not received documents or identification required to
permit access to the account, such as when the account is new
and documentation remains missing;
&#8226; If we have been ordered by a court or other legal process not to
permit the withdrawal;
&#8226; If you do not present us with appropriate identification or any
other information that we may require;
&#8226; If we are aware of any dispute relating to the account or funds
in the account;
&#8226; If we have some suspicion of fraud, irregularity, or illegality; or
&#8226; If we believe that the signature on a check or item drawn on
your account and presented for payment does not appear similar
to that appearing in our records.
Withdrawal Notice
We reserve the right to require seven (7) days advance notice
before permitting a withdrawal from all checking, savings and
money market accounts. We currently do not exercise this right
and have not exercised it in the past.
Here 2010 https://online.citibank.com/JRS/popups/ao/Client_Manual_20091228.pdf

They added these words : "but is not limited to"

SEE:
Withdrawal Refusals
In some instances, we may refuse a request for a withdrawal or
transfer from an account. The following list includes, but is not limited
to, the most common reasons we might refuse such requests:

Also this was added in 2010:
We reserve the right to require seven (7) days advance notice
before permitting a withdrawal from all checking, savings and
money market accounts.

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